Last Revised: December 13, 2024
These policies govern the collection of consumer information by Debt Consolidator.
By accessing or using any of Debt Consolidator's services, you agree to the terms outlined in the updated Privacy Policy.
We gather both personally identifiable information and non-personally identifiable information through our services.
We gather personal details that can identify a visitor or user, such as their name, address, email address, state of residence, phone number, unsecured debt amount, interactions with our services, how they learned about us, and any other information they choose to share with us, but only when voluntarily provided.
The non-personal information we collect consists of details such as the visitor’s browser type, device type, and operating system; the sections of Our Services they visit; the date and time of their access; information about their internet service provider (ISP) or host; and the referring site (the website that directed the visitor to Our Services).
We may use the information we gather through Our Services to:
Debt Consolidator may collect Social Security numbers ("SSNs") during the course of our operations. We are committed to safeguarding the confidentiality and security of any SSNs we handle by:
When you visit our website, we utilize tracking technologies such as site visit recorders, third-party cookies, beacons, tags, and scripts to gather the information mentioned above, as well as aggregated data from your internet browser, including your interactions with our site.
Debt Consolidator may use electronic "cookies" in the browser files of your computer or mobile device when you interact with Our Services. Cookies are small text files sent by your web browser from the website you visit. Cookies can be either "persistent" or "session" cookies. Persistent cookies, also called stored or permanent cookies, stay on your device until you delete them or they expire. Session cookies are temporary and are deleted once you close your browser.
Our Services utilize both persistent and session cookies. Persistent cookies allow us to monitor and target user interests, improving the overall experience of Our Services. Session cookies help facilitate smoother navigation while you use Our Services.
We use cookies to enhance the functionality of Our Services and track how the website is used, enabling us to improve and tailor it to user preferences. Specifically, we may utilize the information gathered from your use of cookies to:
In addition to cookies, we may utilize other tools to gather non-personally identifiable information about your interaction with Our Services, including the use of “web beacons” (sometimes referred to as Internet tags, pixel tags, or clear GIFs) and analyzing “clickstream” data. Web beacons connect web pages to web servers and cookies, and can help transmit data collected from cookies back to a web server. “Click stream” data refers to the virtual trail you create while browsing the Internet and visiting our websites. We employ web beacons and click stream data to collect information about visits to Our Services. This information may include details about your device, such as your IP address, but does not personally identify you.
Most web browsers are configured to accept cookies by default, but you can usually modify your settings to block cookies or allow them selectively through the “Help” section of your browser. Additionally, you have the option to delete any cookies that have already been stored on your device.
If cookies are disabled, certain features of Our Services may not function properly or may not be available, leading to a less seamless or personalized experience. Blocking cookies will also prevent web beacons from tracking your activity and limit the information we can collect, such as your IP address, although we will still capture a record of your visit.
We utilize third-party analytics tools, such as Google Analytics and Facebook Pixels, to assess how our services are used and to enhance the performance and user experience of Our Services. These services may employ cookies and other tracking technologies for their functions. While we do not share personal information such as your name or contact details with these analytics providers, data generated through cookies about your website usage, including your IP address, may be transmitted and stored on their servers, which are often located in the United States. These providers may use this information to analyze your use of our site, generate reports on site activity for website operators, and offer additional services related to website performance and internet usage.
We work with third-party advertising networks to display advertisements on other websites or media platforms, such as social media. This allows both us and these third parties to deliver targeted ads based on your interests in products and services. These third-party ad network providers, advertisers, sponsors, and traffic measurement services may use cookies, JavaScript, web beacons (including clear GIFs), Flash cookies, and other tracking technologies to evaluate the effectiveness of their ads and personalize advertising content for you. The use of these cookies and tracking technologies is subject to the individual privacy policies of the third parties, not this Privacy Policy. We may share certain information about you with these third-party advertisers.
If you choose to opt out, you will still see ads on our Site, but they will no longer be tailored based on your browsing and shopping activities.
How we address Do Not Track ("DNT") signals or other mechanisms that allow consumers to control the collection of personally identifiable information regarding their online activities across third-party websites or services.
At this time, we do not respond to “Do Not Track” signals from web browsers, as we do not track individual users across the internet.
Do other parties collect personally identifiable information about a consumer's online activities over time and across different websites when using Debt Consolidator Services?
No.
We implement reasonable security measures to protect the personally identifiable information you provide from loss, misuse, alteration, or unauthorized access. However, no data transmission or storage method is completely secure, and we cannot be held responsible for any harm, loss, or damage you may experience as a result of transmitting information to or from Debt Consolidator over the internet.
Regardless of any previous decision to opt in or out of receiving telemarketing calls or SMS messages (including text messages) from us, our agents, representatives, affiliates, or anyone acting on our behalf, you provide your express consent to be contacted by us or those representing us for any matters related to your loan or account. This includes communication to any phone number, physical address, or electronic address you provide or that we can reach you at. You agree that we may contact you through any method, including SMS (text messages), prerecorded or artificial voice calls, and messages or calls made using an automated dialing system or automatic texting system. Automated messages may be delivered when the phone is answered, regardless of whether it is answered by you or someone else. If an agent or representative contacts you, they may leave a message on your answering machine, voicemail, or send a text message. ou agree to receive SMS messages (including text messages), phone calls, and messages (such as prerecorded or artificial voice and autodialed calls) from us, our agents, representatives, affiliates, or anyone acting on our behalf, at the phone number(s) you have provided, or numbers we can reasonably link to your account (through skip tracing, caller ID capture, or other methods), regarding your application, loan, and/or account. You affirm that the telephone numbers you have provided are your own contact numbers and that you are authorized to receive calls at each of these numbers. You agree to notify us promptly if you discontinue use of any of the numbers provided. Please note that your cellular or mobile phone provider may apply charges based on your service plan. You also consent to being contacted via email at any address you have provided or may provide in the future. Additionally, we may monitor and/or record phone calls between you and our representatives as allowed by applicable law, such as for quality assurance and training purposes.
In compliance with California law, we will automatically treat individuals with California addresses or phone numbers (when provided to us) as if you have requested that we not share your information with non-affiliated third parties, except as allowed by applicable California law. Additionally, we will restrict the sharing of your information with our affiliates to ensure compliance with the privacy laws of California that apply to us.
Under California's “Shine The Light” law, residents of California can request, once a year at no cost, information about the types of personal information (as defined by the law) we may have disclosed to third parties for their direct marketing purposes in the previous year. This applies only if we’ve shared personal information with third parties for their marketing of their products, not for our own business operations. If you are a California resident and wish to make this request, please reach out to us through the “Contact Us” section below.
In accordance with the California Consumer Privacy Act (“CCPA”), please refer to the California Privacy Notice.
This notice is provided in accordance with state law. To be added to our internal Do Not Call List, simply reach out to us by emailing [email protected] and request that we stop contacting you.
If Debt Consolidator undergoes a merger, sale, or reorganization (including transfers related to insolvency or bankruptcy), your personally identifiable information may be transferred as part of the assets. We may, at our discretion, notify you via email and/or through a prominent notice on our website for 30 days about any changes in ownership or control of your personal data. You may have the option to opt out of such a transfer if the new entity plans to handle your information in a manner significantly different from what is outlined in this Privacy Policy.
This Privacy Policy may be updated periodically to address legal, regulatory, or operational changes. If significant modifications are made, we will post the revised policy on this page and update the "Last Revised" date at the top. Any changes will take effect as soon as they are posted. Your continued use of Our Services after the updated policy is posted signifies your acceptance of the changes. If you do not agree with the updated Privacy Policy, please stop using Our Services.
If you have any inquiries or would like to review or update the personal information you’ve submitted through Our Services, please contact us via mail or email at the address provided below.
Kindly direct your requests to:
Debt Consolidator LLC
625 S 300 W, Salt Lake City, UT 84101, USA
Email: [email protected]